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R Bank

Round Rock, TX · Cert 58935 · R Corp. Financial

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

R Bank

Round Rock, TX · Cert 58935 · R Corp. Financial

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.0BAssets
$770.5MLoans
$926.1MDeposits
$93.0MEquity
Loan mix
83%RE $623.3M17%C&I $127.4M0%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $711.7M23%Noninterest $214.4MQ2 2025Q2 2026

NIM

5.92%Q2 ’245.67%Q2 ’255.77%Q2 ’26+7%+13%

Non-interest income vs. expense

3.34%Q2 ’243.05%Q2 ’252.99%Q2 ’26-18%+13%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.0% share · #15 of 73 inst. · $0.7B of $70.4B

4.3% Williamson
0.3% Travis
7.1% Burnet
16.2% Jackson

Executive Summary

  • Earnings: ROA of 0.72%, unchanged from a year ago; NIM at 3.92%.
  • Asset quality: problem loans at 1.55% of loans (-52 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.01%, down 40 bps from a year ago.
  • Funding: loans stand at 83.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%0 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+46 bps YoY

Efficiency Ratio (YTD, annualized)

75.05%-264 bps YoY

Tier 1 Leverage Ratio

9.01%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.68%0.67%0.63%0.72%0 bps
Return on Equity7.83%7.35%7.29%6.83%7.89%+6 bps
Net Interest Margin3.46%3.43%3.39%3.81%3.92%+46 bps
Efficiency Ratio77.69%77.69%75.45%76.88%75.05%-264 bps
Non-Interest Burden2.57%2.57%2.44%2.93%2.91%+34 bps
Growth
Asset Growth (YoY)-4.27%2.45%10.79%3.94%3.30%+757 bps
Loan Growth (YoY)-6.49%-6.55%-3.19%-4.52%-3.64%+285 bps
Deposit Growth (YoY)-1.03%4.57%11.57%3.86%3.85%+489 bps
Asset Quality
Nonperforming Loans / Loans2.07%2.04%2.01%1.58%1.55%-52 bps
Net Charge-Offs / Loans0.03%0.04%0.26%0.07%0.04%+1 bps
Allowance / Loans1.12%1.14%1.05%1.08%1.09%-4 bps
Allowance Coverage of NPLs0.5x0.6x0.5x0.7x0.7x+0.2x
Capital
Tier 1 Leverage Ratio9.41%9.28%9.09%9.32%9.01%-40 bps
Total Risk-Based Capital13.03%13.64%13.36%14.15%13.17%+13 bps
Equity / Assets9.31%9.18%9.11%9.41%9.00%-31 bps
Liquidity & Funding
Loans / Deposits89.66%82.70%82.44%81.59%83.20%-647 bps
Liquid Assets / Assets11.60%18.09%18.47%19.25%17.66%+606 bps
CRE / Total Capitaln/a440%450%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

R Bank

Round Rock, TX · Cert 58935 · Peer group: banks $1B-$10B in assets (n=322-328) · R Corp. Financial

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.0BAssets
$770.5MLoans
$926.1MDeposits
$93.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks $1B-$10B in assets (rank 69 of 328).
  • Widest gap: efficiency ratio trails 88% of banks $1B-$10B in assets (rank 291 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.73%

Rank 274 of 328

Net Interest Margin

3.92%

Rank 69 of 328

Efficiency Ratio

75.05%

Rank 291 of 328

Equity / Assets

9.00%

Rank 253 of 328

Non-interest income vs. expense

$0.8M$30.8MINCOMEEXPENSE
Unfavorable gap of $29.9M · efficiency ratio beats 12% of banks $1B-$10B in assets
Bank 75.05%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.91%1.22%1.52%Beats 16%274 / 328
Return on Equity8.15%8.43%11.45%14.43%Beats 22%257 / 328
Net Interest Margin3.92%3.03%3.45%3.83%Beats 79%69 / 328
Efficiency Ratio75.05%51.61%59.56%67.53%Beats 12%291 / 328
Asset Quality
Nonperforming Loans / Loans1.55%0.24%0.51%1.03%Beats 14%277 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 61%127 / 322
Capital
Tier 1 Capital Ratio12.04%11.75%13.15%15.47%Beats 30%228 / 328
Total Risk-Based Capital Ratio13.17%12.63%14.15%16.46%Beats 34%218 / 328
Equity / Assets9.00%9.15%10.33%12.01%Beats 23%253 / 328
Liquidity & Funding
Loans / Deposits83.20%76.63%87.92%95.36%39th pctl197 / 323
Loans / Assets74.63%65.18%74.15%79.98%52nd pctl159 / 328
Brokered Deposits / Depositsn/aNot reported for this institution